Century review
Century is an NCR-registered lender (NCRCP20790) offering R500 – R8,000 over 5 – 180 days.
Apply at Century
Century
NCR-registered lender · NCRCP20790 · confirmed on the NCR register
- Loan amount
- R500 – R8,000
- Term
- 5 – 180 days
- Rate
- 0.16% per day (new clients), 0.1% (repeat)
- Company
- Century Financial Services (Pty) Ltd
- Based in
- South Africa
- Checked
- October 2026
About Century
Century is run by Century Financial Services (Pty) Ltd (company number 2023/140135/07), 1 Bridgeway Road, Bridgeways Precinct, Century City, Cape Town, 7441. It is registered with the National Credit Regulator as NCRCP20790, which we confirmed on the NCR register in October 2026.
Century offers R500 – R8,000 over 5 – 180 days. Its published rate is 0.16% per day (new clients), 0.1% (repeat).
On speed, Century says: "We aim to approve and disburse loan applications on the same day". FAQ: "Before 14:00 (Monday to Friday): Funds are typically credited by 19:00 the same business day"; "After 14:00 or on weekends/public holidays: Funds are credited by 19:00 on the next business day". We have not tested this ourselves.
What a R2,000 loan can cost at most
South African law caps what a lender may charge on short-term credit. For a first R2,000 loan over one month, the most a registered lender may charge is:
- Interest at 5% a month: R100
- Initiation fee (R165 plus 10% above R1,000): R265
- Monthly service fee: R60
Total to repay at most: R2,425, plus VAT on fees where charged and any optional insurance you agree to. Century's published rate is 0.16% per day (new clients), 0.1% (repeat).
Century's own example: Calculator default on 2026-10-01: R1,700 over 5 days, repayable amount R1,991.23 (the site says the calculator is a reference only).
Fees as published: As published under the calculator: "Initial fee: 16,5% of first R 1 000 lent, 10% of loan amount over R 1 000, +VAT. Limited 15% of loan amount, +VAT. Service fee R 69 month." Terms say qualifying loans "may include mandatory Credit Life Insurance cover" (1Life), with the premium in the cost of credit; you may substitute your own qualifying policy.
See all the legal caps on our responsible lending page.
Century requirements
- A South African ID number
- A cellphone number and email address
- A bank account in your name
- Employment information and a stable, verifiable income
- A passed affordability assessment and credit bureau check
Documents you'll need
- SA ID number
- Bank account details
- Latest 3 months' bank statements showing your latest 3 salary deposits (shared via TruID or Gathr, or uploaded manually)
Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.
How to apply at Century
- Register a profile with your name, ID number, mobile number and email
- Choose your loan amount and repayment term
- Share your last 3 months' bank statements via TruID, Gathr or upload
- Receive an initial loan offer after the affordability check
- Sign the agreement with an OTP and approve the DebiCheck mandate
- The money is paid into your bank account
We may earn a commission if you apply through this link. It does not change what you pay. How we make money.
Century contact details and login
| Website | https://creditza.co.za/ |
|---|---|
| Log in | https://creditza.co.za/login |
| Phone | +27 21 054 1057 |
| clientsupport@centuryfinancialservices.net | |
| Address | 1 Bridgeway Road, Bridgeways Precinct, Century City, Cape Town, 7441 |
Taken from Century's own website in October 2026. Lendable Marketplace is not Century and can't help with your account.
What customers say
We found no customer rating for Century on Hellopeter or Trustpilot in October 2026.
We don't give our own star ratings. These scores are from independent review sites and can change daily.
Pros and cons
Pros
- Registered with the NCR as NCRCP20790, which we confirmed on the NCR register.
- Publishes its daily interest rate, initiation fee and service fee on the calculator.
- Loans up to R8,000, with terms from 5 days to 6 months.
- No fee for settling early, and lower interest for repeat clients.
Cons
- New clients pay 0.16% a day; the 0.1% rate is for repeat clients only.
- Credit life insurance may be compulsory and adds to the cost of credit.
- No Hellopeter or Trustpilot reviews to check.
- Opening hours are not published on the website.
Alternatives to Century
Other NCR-registered lenders on our panel of 15:
- Creditbar — R500 – R5,000, 7 – 61 days.
- Crediwise — R500 – R4,000.
- Jabulani Money — R500 – R4,000, Payday (repayable on your next salary date).
Related: Small loans, Short-term loans, Bad credit loans, Compare all lenders.
Questions to ask Century before you sign
- What is the total amount I will repay, in rand, including interest and all fees?
- Is your NCR registration NCRCP20790 still active?
- What happens if I repay early, or miss a payment?
- Is any insurance compulsory, and what does it cost each month?
Struggling with debt already? Speak to a registered debt counsellor via the NCR before you borrow more.
How we checked this review
We checked Century's own website and terms, and its number on the NCR register, in October 2026. We did not take out a loan. Spotted something out of date? Tell us and we'll check it. Read how we make money and check providers.
- Century Financial Services homepage (creditza.co.za)
- Century FAQs
- Century About us
- Century Responsible lending
- Century Website Terms and Conditions (PDF)
- NCR register of credit providers (search NCRCP20790)
Century — frequently asked questions
What do I need to qualify for a Century loan?
You need an SA ID number, a cellphone number, an email address and a bank account. You must show a stable income. Your last three bank statements must show three salary deposits.
How do I apply for a Century loan?
Register at creditza.co.za and choose your amount and term. Share your bank statements through TruID, Gathr or by upload. If approved, sign with an OTP and approve the DebiCheck debit order.
How do I log in to my Century account?
Click Log In at creditza.co.za and use your registered mobile number and password. Use 'Forgot Password' if you are locked out. Your account also shows early settlement amounts.
How do I contact Century customer care?
Call +27 21 054 1057 or email clientsupport@centuryfinancialservices.net. Its listed address is 1 Bridgeway Road, Century City, Cape Town.
Is Century NCR registered?
Yes. Century Financial Services (Pty) Ltd is registered with the NCR as NCRCP20790. We confirmed this on the NCR register in October 2026.
What if I can't repay my Century loan?
Email clientsupport@centuryfinancialservices.net as early as possible to renegotiate. Arrears are reported to credit bureaus, and interest keeps accruing daily. If you are over-indebted, speak to an NCR-registered debt counsellor. Find one, or lodge a complaint, at ncr.org.za.